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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $77,384 | $102,429-24.5% | $147,096-47.4% | $80,925-4.4% |
| Participation rate | 93.5% | 75.9%+17.7pp | 82.2%+11.4pp | 67.7%+25.9pp |
| Annual return | 13.76% | 135.02%-121.3pp | 419.75%-406.0pp | 35.65%-21.9pp |
| Employer contribution / active EE | $5,494 | $3,716+47.9% | $4,936+11.3% | $2,756+99.3% |
| Participant deferral / active EE | $7,949 | $6,649+19.6% | $8,071-1.5% | $4,299+84.9% |
| Admin fee / account holder | $1,386 | $7,957-82.6% | $13,005-89.3% | $6,940-80.0% |